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    • Thank you so much for explaining that to me much appreciated 
    • It's not so bad then.  1250L is the standard tax code, and means he can earn £12500 pounds without paying tax, and then just pay tax on anything he earns over that amount.   Due to technically being out of work, and claiming UC, and now going back to work, the code is saying that he will pay tax on anything earned over £6500 pounds now, but it is under review and should change within the next 8-12 weeks, and if he has overpaid in the meantime, then it will be refunded via his paycheck.   The only reason for this is I am assuming that while shielding, his company did not keep him on the books.  If HMRC have got a record of him being on the books, and claiming UC, this will be them determining that he hasn't been trying to fraud the system by being paid as employed at the same time as claiming UC.  Once they clear that up, then they will correct the tax code.  So long as all his earnings and benefits all add up and they are happy then it will be back to normal.
    • Good Afternoon,   I am hoping to receive some advice regarding the below topic.   I was looking to purchase a property off-plan with a incentive attached and in order to secure this you pay a 'finder's fee'.     The fee was paid but then the property was un-mortgageable due to various reasons including the incentive being offered.   Having gone back to the agent to ask for a return of the finder's fee - they have refused saying that the incentive does not need to be disclosed and that essentially my broker is useless and I should use theirs!   Their broker also advised it would be hard to get a mortgage with the incentive disclosed which backs up what my broker has said.    This fee will now be kept on account.     I signed a form which confirms that the finders fee is non refundable - which was my error I should have checked if the property was mortgageable beforehand - however I wondered if there was anything I could do because:   The property is un-mortgageable - my broker tried all lenders including those who are happy with the incentive which was offered They have advised to withhold information which is clearly questioned in the mortgage application process   This is not a case of pulling out, this is a case that I cannot get finance and so cannot proceed.   Thanks in advance.
    • Hi all,  just wondering if i could get some help. me and my ex wife decided to get a loan back in 2017....i was continuing paying it but she didn't even though she promised me she would pay it as i agreed to it... and we split up in 2018, i was sectioned under mental health due to her behaviour.  short story... i came out 6 months later and she did not pay anything, my inbox was full, my phone with voicemails. i was not expecting this..... this loan was for £2000,    i tried to call her obviously she changed her phone number and email address, 2020 still not heard anything from her.... sent her letters she choose to ignore it.....   so i thought i come on here.... see you can make a complaint about responsible lending credit search.... behold just got a reply from progressive money....   i've also complained to amigo loans.... that is again she didn't pay anything... checked credit karma £11,876 on £7000 loans... hopefully something comes out of this....  - Summary Resolution Letter .pdf
    • Sorry it was 1250l before shielding he 
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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      • 16 replies
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I'd like to share a telephone call I have just endured on behalf of a friend of mine, with a DCA

 

After we'd gone through the usual BS

The threat monkey began:

 

 

  • TM " I need Mr X to pay.
  • ME " He'll pay £10 Per month. That's what the others are being paid."
  • TM "I can't accept that. I can't accept a repayment arrangement in instalments. i need payment in full
  • ME "Why are you ringing then. Why not go for a CCJ.?
  • TM " I need Mr X to pay."
  • ME " He'll pay £10 Per month. That's what the others are being paid."
  • TM "I can't accept that. I can't accept a repayment arrangement in instalments. i need payment in full
  • ME "Why are you ringing then. Why not go for a CCJ.?"
  • TM " I need Mr X to pay.".......................................

Can you see who was reading from the script?

Can you see where the conversation was going? For nearly 5 minutes. Made me laugh anyway

Hope this threat monkey reads this site and sees how stupid he is


I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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Nice one. If it had been me, I'd have really started to take the p*ss though.

 

"What colour are your underpants?" "Do you have many friends? Would you like one?" etc.

 

There are some very easy ways to get people to put the phone down ;O)


Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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You should have dropped the offer by £1 every time he repeated himself.... he would have ended up having to pay you. :lol:


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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It great!! just like I keep asking them to speak up I'm deaf, and after a few minutes, I finish with 'theres' no need to shout' and put the phone down.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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You should have dropped the offer by £1 every time he repeated himself.... he would have ended up having to pay you. :lol:

 

You've just rumbled my secret negotiating tactic with my Daughter over pocket money a few years ago: "Daddy can I have 50p pocket money please?" - "20p! what do you want 10p for?"


Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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LOL god i like that.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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You've just rumbled my secret negotiating tactic with my Daughter over pocket money a few years ago: "Daddy can I have 50p pocket money please?" - "20p! what do you want 10p for?"

 

I'm going to have to remember that Fred. Unfortunately, with kids nowadays, negotiations tend to start at "Dad, could I have £10 please...?"


Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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I'm going to have to remember that Fred. Unfortunately, with kids nowadays, negotiations tend to start at "Dad, could I have £10 please...?"

 

"Daddy can I have £10 pocket money please?" - "£5! what do you want a £1 for?" ;)


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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LOL god i like that.

 

:)


IMO

:-):rant:

 

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I'm going to have to remember that Fred. Unfortunately, with kids nowadays, negotiations tend to start at "Dad, could I have £10 please...?"

 

£10 my inlaws give there kids £15 a week into there bank accounts. they range from a few months to 5 years.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I suspect that the phone monkey was employing, possibly unwittingly, the Broken Record technique. Rameses deployed the correct response, which is to repeat the same denial or refusal to accede to the demands.

 

Another way to handle this is to question every aspect of it, showing the monkey up as an arse, and then closing him off at the end.

 

TM: "I can't accept that"

R: "You cant accept that . Why?"

 

Carry on like this for a while, questioning every point, until the monkey asks for a payment; then say no and start all over again.

 

Bear in mind that most phone monkeys are under time pressure - they have a 'wrap time' by which they're supposed to be able to end the call - so keeping them on the line as long as possible is useful.

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